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- 1). Discuss with your medical provider the treatment that is recommended. Ask about specific tests, medical actions, length of stays and prescriptions. Find out if the hospital considers the treatment in-patient or out-patient. The more information you have, the better you can plan your insurance.
- 2). Determine how much, and for which specific medical costs, your Medicare Part A and B will cover. Discern where the potential shortfall, if any, will happen.
- 3). Examine your Medigap Plan (Plan "A" through Plan "N") to find out if and how they make up for any shortcomings in the Medicare coverage. If necessary, call the insurance company and ask for clarification on terms and procedures.
- 4). Ask the medical provider to take a look at the potential areas where coverage may be lacking to see if an alternative way of providing treatment may lead to better coverage and fewer out-of-pocket expenses.
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